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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER Service code 52 | Indirect Investment Fees | $18,234 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,919 | $32,425-23.2% | $74,577-66.6% | $55,167-54.8% |
| Participation rate | 16.8% | 54.0%-37.2pp | 68.1%-51.3pp | 69.0%-52.1pp |
| Annual return | 6.73% | 10.63%-3.9pp | 20.47%-13.7pp | 169.23%-162.5pp |
| Employer contribution / active EE | $0 | $1,043-100.0% | $2,525-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $2,279 | $1,995+14.2% | $3,458-34.1% | $3,054-25.4% |
| Admin fee / account holder | $17 | $748-97.7% | $4,138-99.6% | $504-96.5% |